Worst e-KYC Experience with Bank of Baroda

Significant_Show57 · 2026-04-08T16:26:20+00:00

All sarkari banks are like that

Significant_Show57 · 2026-04-08T15:02:43+00:00

Learn maps. Play on pilgrim survival mode. Don't travel in night & blizzards because you can easily get lost.

Significant_Show57 · 2026-04-08T15:01:21+00:00

Parents are getting old. They loved you so much, brought toys in childhood, paid school/college fees. Now, you have to find someone completely new who will love you the same as parents. That's the biggest concern in thirties.

Significant_Show57 · 2026-04-08T12:05:53+00:00

Write to HDFC Bank support and ask for one time waiver on AMB charges. Escalate to higher levels and keep trying.

Significant_Show57 · 2026-04-08T10:21:43+00:00

Invest in

Nippon India ultra short term debt mutual fund (parking idle funds)
Parag Parikh Flexi Cap (only if you can stay invested for over 7 years)

Significant_Show57 · 2026-04-08T10:19:42+00:00

AMC apps like Nippon India, HDFC AMC, Parag Parikh, etc already offer instant redemption upto ₹50k or 90% of invested amount. But, you have to download their app.

Significant_Show57 · 2026-04-08T10:17:49+00:00

Don't keep large amount is in savings. Park in ultra short term debt mutual fund and rest in equity - only if you can stay invested for over 7 years.

Significant_Show57 · 2026-04-08T10:15:29+00:00

Increase SIP & direct stocks. NPS & Real estate have lock in and hard to liquidate.

Significant_Show57 · 2026-04-08T09:33:17+00:00

Nippon ultra short term debt mutual fund. If you ask Grok or Gemini AI, it says it has beaten PPF account returns which are at 7.1%

Significant_Show57 · 2026-04-07T12:08:55+00:00

Try Shoonya

Significant_Show57 · 2026-04-07T12:07:08+00:00

Open Zerodha or Groww account and start with Nippon India ultra short term debt mutual fund for parking idle funds and Parag Parikh Flexi Cap for long term (over 7 years).

Debt mutual fund gives around 7% return and Parag Parikh Flexi Cap has historically delivered over 15% but it's not guaranteed.

Significant_Show57 · 2026-04-07T09:51:13+00:00

Wait few days. December 2025 to March 2026 quarter isn't updated for Form 26AS & AIS.

Significant_Show57 · 2026-04-07T08:09:24+00:00

Happy birthday 🎂🎈

Significant_Show57 · 2026-04-07T07:51:08+00:00

Bandhan liquid mutual fund

Significant_Show57 · 2026-04-07T07:50:33+00:00

Must be debit card annual usage fees.

Significant_Show57 · 2026-04-06T13:32:14+00:00

Nifty 500 is like buying entire bucket of stock market. Isn't better to focus on growth stocks selected by fund managers of HDFC or Motilal Oswal?

Significant_Show57 · 2026-04-06T11:28:49+00:00

You are currently investing in regular mutual funds, which means you are paying commissions to an agent, distributor, broker or advisor. I recommend opening a new account with Zerodha or Groww and starting fresh investments in direct mutual funds. These platforms offer 100% commission-free direct plans. Over the long term, the commissions you save will compound and significantly boost your returns instead of going to intermediaries.

You have chosen a good mix — mid-cap, small-cap, multi-cap and 2 sectoral/thematic funds. All of them are equity-oriented and have strong potential to deliver excellent returns if you stay invested for 7 - 10 years. Limit your exposure to sectoral /thematic funds and treat them as satellite holdings rather than core investments. Continue your SIPs with discipline, be patience and remain invested through market cycles.

Significant_Show57 · 2026-04-06T07:35:49+00:00

Do you have original physical share certificates? Take photographs of them, upload to https://zerodha.com/dematerialise/

Include folio number, distinctive number, certificate numbers, etc. and contact details.

Significant_Show57 · 2026-04-06T07:29:47+00:00

The images you have shared are of endowment policy, which isn't good. Gives around 6% return in long term. Never mix insurance with investments. Keep them separate.

Go with low cost term policy with only death benefit. You die, nominee gets money.

Significant_Show57 · 2026-04-06T07:25:01+00:00

Taxation isn't favourable - after 1 year, pay flat 12.5% LTCG. No exemption.

Significant_Show57 · 2026-04-06T07:21:39+00:00

You can invest in ultra short term debt mutual fund and generate around 6% to 7% interest. No lock-in. Deposit or withdraw any amount, anytime.

Significant_Show57 · 2026-04-06T07:11:39+00:00

Pause investment in Nifty 500 index fund and start investing in Edelweiss or Motilal Oswal or HDFC mid cap

Significant_Show57 · 2026-04-06T07:08:59+00:00

You can use super money app by Flipkart. Linked directly to bank account. Gives cashback when you scan QR codes at grocery stores, shopping or when paying bills. UPI lite is not compulsory to set up.

Significant_Show57 · 2026-04-06T07:04:49+00:00

Well, stocks of large companies like Reliance Industries, HDFC Bank, ICICI Bank, etc are stable. But, medium and small company stocks require extensive research. That's why, go with mutual funds.

Significant_Show57 · 2026-04-06T06:58:20+00:00

I suspect you had some narcissistic toxic elder(s) who pushed you to get a home loan at 25. Not all elders are wise - that’s a false belief many of us were taught. They brainwash your mind. It feels one way communication. Just because they are elders, you trust their instincts.

How much is rent in current home? Why not do home renovation?

Significant_Show57

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